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Quarterly Results of Operations (Unaudited)

12 Months Ended

Mar. 31, 2020

Quarterly Financial Data [Abstract]

Quarterly Results of Operations (Unaudited)

16. Quarterly Results of Operations (Unaudited)

		Fiscal Year ended March 31, 2020 (In thousands, except earnings per share amounts)
		First Quarter				Second Quarter				Third Quarter				Fourth Quarter
Total revenue		$	16,641			$	15,585			$	14,973			$	14,896
Interest expense			2,488				2,298				1,886				1,843
Provision for credit losses			4,385				4,000				4,597				3,919
Non-interest expense			8,971				8,927				7,950				8,584
Operating income before income taxes			797				360				540				550
Income tax expense (benefit)			206				92				229				(1,746	)
Net income		$	591			$	268			$	311			$	2,296
Earnings per share:
Basic		$	0.07			$	0.03			$	0.04			$	0.31
Diluted		$	0.07			$	0.03			$	0.04			$	0.31

		Fiscal Year ended March 31, 2019 (In thousands, except earnings per share amounts)
		First Quarter				Second Quarter				Third Quarter				Fourth Quarter
Total revenue		$	18,759			$	19,404			$	16,740			$	16,397
Interest expense			2,540				2,386				2,303				2,275
Provision for credit losses			5,426				8,374				7,871				11,165
Non-interest expense			8,801				7,966				7,847				8,934
Operating income before income taxes			1,992				678				(1,281	)			(5,977	)
Income tax expense (benefit)			572				96				(376	)			(1,232	)
Net income (loss)		$	1,420			$	582			$	(905	)		$	(4,745	)
Earnings (loss) per share:
Basic		$	0.18			$	0.07			$	(0.12	)		$	(0.60	)
Diluted		$	0.18			$	0.07			$	(0.12	)		$	(0.60	)